How to Find Affordable Bloomington Car Insurance
Driving through the city of Bloomington can be an exhilarating experience, with its bustling streets and vibrant atmosphere. However, it is crucial to ensure that you have adequate car insurance coverage before hitting the road. Comparing multiple car insurance policy rates has never been easier than with InsuranceQuotes.com. With their real-time cost data and user-friendly quote form, finding affordable auto insurance while saving both money and time becomes a seamless process. Don’t overlook the importance of securing reliable car insurance – visit InsuranceQuotes.com today for peace of mind on your next drive through Bloomington’s captivating urban landscape
How Much Does Car Insurance Cost in Bloomington, MN?
- On average minimum liability costs for Bloomington drivers is $111 a month or $1,333 a year.
- Full coverage policies cost around $281 a month or $3,378 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Bloomington – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Bloomington
- In Bloomington on average the cheapest car insurance providers are State Farm, American Family and Owners-Insurance Co. State minimum liability car insurance starts at $54 a month or $647 a year with State Farm. Full coverage car insurance starts at $157 a month or $1,887 a year with American Family.
Here is a breakdown of average costs from the cheapest local insurance providers in Bloomington from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $647 | $54 | $2,352 | $196 |
| American Family | $860 | $72 | $1,887 | $157 |
| Owners Insurance | $944 | $79 | $3,740 | $312 |
| All State | $1,031 | $86 | $3,996 | $333 |
| Standard Fire Ins. Co | $1,577 | $131 | $3,408 | $284 |
Minnesota State Minimum Car Insurance Requirements
- Liability Coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP):
- $40,000 for medical expenses per person
- $20,000 for non-medical expenses (such as lost wages) per person
- PIP coverage is mandatory in Minnesota and covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM):
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
These are the minimum coverage requirements mandated by the state of Minnesota. However, it’s important to note that drivers may choose to purchase higher coverage limits or additional types of coverage for more comprehensive protection.
Additionally, Minnesota also requires drivers to carry proof of insurance in their vehicles at all times and present it when requested by law enforcement officers or other authorities.
Bloomington car insurance averages approximately $83 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Bloomington, Minnesota averages approximately $83 per month for full coverage in 2026 — significantly below the Minneapolis city average of $245 per month despite Bloomington being in the same Hennepin County. Bloomington’s suburban character, lower accident frequency than Minneapolis proper, and lower vehicle theft rates produce rates much more favorable than the Twin Cities core. Westfield Insurance offers minimum coverage from $19 per month statewide. Auto-Owners Insurance leads for full coverage at around $75 per month.
Bloomington sits in Hennepin County alongside Minneapolis but carries rates roughly $160 per month lower for full coverage due to its suburban traffic environment. Bloomington’s road network — centered on I-494, 494/35W interchange, and Penn Avenue — carries high traffic volume but with more predictable suburban patterns than Minneapolis inner-city streets. Vehicle theft rates in Bloomington are substantially lower than north and south Minneapolis neighborhoods. Bloomington is also home to Mall of America, which generates significant commercial traffic on Cedar Avenue and 24th Avenue South, but this tourist traffic does not produce the same claims frequency as Minneapolis’s dense urban commuter patterns.
Westfield Insurance offers Minnesota’s cheapest minimum coverage at $19 per month statewide and should be the first quote any Bloomington driver requests. Auto-Owners Insurance provides the best full coverage value at around $75 per month and consistently leads statewide for full coverage pricing. North Star Mutual (Minnesota-based) and Travelers are additional options worth comparing. State Farm and Progressive are the most competitive national carriers for Bloomington. With Bloomington’s favorable suburban risk profile, drivers who compare at least four carriers typically find options meaningfully below the Hennepin County average.
Yes — all Minnesota drivers including those in Bloomington must carry $40,000 in Personal Injury Protection (PIP), split as $20,000 for medical and $20,000 for non-medical costs. Minnesota’s mandatory UM/UIM coverage is also required. PIP pays your own medical bills after any accident regardless of fault. Bloomington drivers who have employer health insurance should ask their agent about PIP coordination options — coordinating PIP with existing health coverage can sometimes reduce the PIP premium component without leaving coverage gaps.
Bloomington at $83 per month sits in the middle tier of Twin Cities suburbs. Plymouth averages $81 per month and Lakeville $81 per month — slightly cheaper due to their positions further from the Metro core. Brooklyn Park averages $91 per month — above Bloomington due to its Hennepin County position north of Minneapolis. Eden Prairie and Minnetonka generally track close to Bloomington’s rate level. The common thread: all Twin Cities suburbs offer dramatically lower rates than Minneapolis or St. Paul proper, with the suburban premium discount ranging from $140 to $200 per month versus city-center rates for comparable full coverage.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
